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<br /> TQG�TkER W!7'tt al!th:irty�ror�-n:.ais naw.�hu�:�,`tu e:�:t�i a�th+:pr.�::►iy.:u�l�id�c,.uuuu►�ts��teiui�rs,ruwi
<br />, fexturrs row ��r hereul�r a part nf the pn�crty. All rtplacrnxniv w�d �lcliticH�s s1w11 xlw� !+e ruvrrcJ by Ihis Secutity =
<br /> I�utrum,.nt. Al)��f thc for��aing is referr�d to in th?s Secwiiy Gtitrun�izt:u thr'Propeny." -
<br /> BORROWER COVENANTS that Bormw•e�•is lawfully seisod of the estate hereby co�tvepe�i .uxf h�the righc te►Lrant atul
<br /> ronscy !he Prapeny and that the property is uncncum6ercxl, cxc�.pt for cncumbnvw.�es of rxuni. 8un�u•er w�r�uus ;uxl will
<br /> deftud g.tr�rr.11y tlk.tit►c ta the[`rap�rty�g�in.t�ll�i�in�a;ki Je�y�kla.aubjert tu xriy e�xumbrw�ces of reconi.
<br /> THIS SEC'UFITY INSTRUMENT��cunbi��es unifortn covcnants for natint�al use end ron-unifanu covetta�uts witA ll�uitc�l
<br />. VY11Y�MtiC Fl��IIr{�fll!'tM)Il L�l NM1CI�i11�P Y II/�fL\M��r��r:l�:Po���wrwf�.nu�ti'an����M�K� -
<br />- UNIFORM COVENANTS. Borrower und Lender covcnant and agrce as follows:
<br /> 1. Ps�yweat oQ pripcipal and Interest; Prep�yaunt and l.atc Char�er. Borrower shall promptlY paY whc�� duc the
<br /> priocipa!of a�x!intercst en thc debt evidenced by the Note arx!an�•prepay�nx:nt and late chasges duc urui�r thc Nc►te.
<br /> 2. Ftin3s for Taxes and Insurance. Subjcxt to applicable law or to a written waiver by L,ender, Boaower shall pay to
<br /> Lender on the day nwtuhly pzymetu.c are due under the Note, until the Note is paid in full, a sum("Fun:ls"1 fo*: (a)yeacly taxes
<br /> aad assesurxnts which may utain priority over this Security Irwrument as a lien on the F��apeny: (b)y�carly leaselwld payments
<br /> or ground renis on the Propeny. if�,iy:(c)yearly haxard or property insurance piemiwns: (d)yearly flood insuranec premiums,
<br /> if at�y: (e)Yeuly mortg�e iawrat�ce pn;miums, if aay: at�d (�anY sutns paYable by Borcower to Le.nder, i�accordai�oe with
<br /> the provisions of parasraph 8,in lieu of the payment of mortgage insurance premiums.These itenu are called "Gscrow Items."
<br /> Leixler mAy. ut any time, rnllec; sinnd hald Funds in su►amount not to exceed the mticimum amount a lender for a foderally
<br /> retaced martgage loan nwy rcyuire for Borrower's ec¢row acrnunt undar the fodera! Resl Fstate Scttlement Procedures Act of
<br /> 1974 as amended f�om time to time, 12 U.S,C, Section 2601 er seq. ("RESPA"),unless another I�w that npplies to the Funds
<br /> sets a tesser amouni. if so, Lender may, at any time, collect�nd hold Funds in an amount�rst to excoed the lesser amount.
<br /> 1.axler n;�y estimate the tinount uf Funds due an the basis of eunent data and rezsa�ble rctin�-ar�c af e����pf futwt
<br /> Fscrow Item�s or otherwise in accorclance with applic�e law.
<br /> lite runds shall be held in an iastitution w•hose deposits are insured by a federal q;ency, instrumentality, or entity
<br /> (including I.tnder, if Ixndor is such an institution)ar in any Faltral Home Loan Hank.Lender stwll npply the Funds w pay the
<br /> Escrow Itenu. Lendcr may not charge Borrower for holding aiul applying the Funds, annually utialyzing the escrow accoant,ar
<br /> verifyi�g the�scrow Itenu,unless l.eader pays Borrower interest on the Funds and applicable law permits Ler�der to make such
<br /> a charge. tlowever.Lender may require$orrower[o p�y a one•time charge for�u independent re�l estate tax reporting service
<br /> used by Lender in cauuction with this lou�. unlec; applicable Iaw provides otherwise. Unless an agreEmenc is n�de cr
<br /> applicabie law requires interest to be pai3, Letuler shall not be requieed to pay Borrower any imcerest or eamings on the Funds.
<br /> Borrower aad L.ender may agree in wiiting.howe�•er. that interest s}�all be paid on tnc Funds. Lender shall give to Borrower.
<br /> without charge, an annual aa�ounting of the Funds, showing crodits and debits to the Funds and the putpose for which exh
<br /> debit to the Funds was nude.Thc Futsds are pledged as additianal sa:urity for all samc securad by this Secur,c;�Instwnent.
<br /> If the Funds held by I.endtr exceed the auwuots permitted to be held by applicable law,lxrw4er shall account w Borrower
<br /> for tlte ea�cess Funds in accordance with the require.ments of applicable law. If the arnount of the Fuads held by I.ender�t sny
<br /> time is not sufficient to pay the Fsctow Items when due,Lxnder may so n�tify Horrower in v�Titing.and,in such cue Boncuwu
<br /> st�ll pay to I,eader the auwunt naessar� to make up the deficirn..y. Borrower sh�A m�Ye up the deFciency in ao more than
<br /> twelve mor�Y p�Yments.at Le�er's sole discretion.
<br /> uPan FaYm�1t i0 tUtt of aJl sumc securad by thic S�CY(Ih+ TR6tNiT1t11t. Lender shal! PromptlY refe�nd to Borrower �rsy ---- _
<br /> Furds held by I.ender.if,under pangraph 21,I.ender shall acquire or sell the Pn�perty,I,er�der,prior to the acquisition or sale
<br /> of the Property, ssl�sall apply�ny Funds held by Lender at the time of acquisition or sale as a credit�gairut th�sums securod by
<br /> this Security Instrument.
<br /> 3.Applics�tloa ot Psyments.Unless zpplicablc law provides cKherwise,all payments roaived by I.sndu under paragrapt�s
<br /> 1 aud 2 shall be applied:first,to anY Prepsryme�t cl�arges due undar the Note; secoad,w amounts payable undtr para�r�ph 2;
<br /> tLind.to inter+esi due;fourth.to principal due;and last�to�ny late chargcs due under the Note.
<br /> 4. CbAr�a;i.iws. Bcrrower s,}�all pay all taxes.usessrrents,ch�rgGC. fines and impositions attributable to the PmQuty
<br /> which mey attaia priority over this Sxurity Inst�t, and leacehold payments or ground cents� if any. Borrower siraLF pay
<br /> tfsese obligations in the mat�rkr provicfed in paragraph 2,ot if not ptid in that rnatutier, Borrower shall pay tfxm on time dit�ectly
<br /> i0 L`i2 pci:iOA OWE�w}+fikiii.Bu�rvwer�iwll promptly fumisn to L.eader all notictc of etnounts to bepaid ur�der this p3ragrlph.
<br /> If Bomowa m�lces these paynxnu direxdy.Sorrower shall promptiy fumish w L,ender receipts evidencing the payments.
<br /> � Sorrower s}�11 promptly disch�rge any lien which has priority over this Security instn�mcat unlas Borc+uwer:(a)agrees in
<br /> writing to the payment of the obligadon secured by the lien in a mamier zcceptable to I,ender;(b)cotuests in good faith the liea
<br /> by. or defends agaitut enforoement of the lien in, legal proceedings which in the L�tr's opinion operate to pnvent the
<br /> enforoement of the liar or(c)secures from the holder of the lien an agreernent satisfactory to Lencier subordinating thc lien ta
<br /> this Security Insirument, If Letuter determines that any patt of the Property is subject to a �iw which may attain priority over
<br /> this Security Instivment.I.ender rn�y give Borrower a notioe identifying the li�n.Borrower sfull satisfy die lien or t�ke one or
<br /> more of tBe actioac set forth above within 10 days of the givipg of twtice.
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